|
So you have returned the PS4 at this point right?
|
#
¿
Dec 1, 2013 01:18
|
|
|
|
| # ¿ Apr 28, 2024 14:49 |
|
|
That is a fair point but $400 bucks is almost 1% of that $50K he needs in the next 2 years. Plus he said he traded in an xbox 360 as well. So he had a system already with probably plenty of games to replay.
|
|
#
¿
Dec 1, 2013 20:15
|
|
|
I think a lot of people would like to see a real budget still. Not some weird I have $2K extra budget to blow/save. Breakdown what you have to pay on loans vs what you have to pay extra to meet your goals. What you need to save to get that house. What your actual net monthly pay is. And really some laid out goals about how to get where you want to go. Then people will actually be able to give you real help vs what is happening now.
|
|
#
¿
Dec 3, 2013 20:56
|
|
|
neaden posted:He said he lives in Reno, I assume Nevada in which case it can get some bad storms but only get a couple feet of snow a year total. 21.5" average according to wiki.
|
|
#
¿
Dec 5, 2013 02:40
|
|
|
I remodeled the entire upstairs of my house. 2 trips from Home Depot cost me $50 in the truck rental. Keeping a truck with a crazy interest rate that high for the prospect of hauling some lumber or yard trash for a house you might have in 2.5 years makes little sense.
|
|
#
¿
Dec 5, 2013 04:39
|
|
|
That credit card sounds like a bad idea to me since you have to pay a yearly fee and you have to front the money locked away for 2 years as your limit. If you have a checking account with chase and it has direct deposit you can get a freedom card no questions asked. The limit will be low but that is really all you want. Use it a couple times a month and pay it off.
|
|
#
¿
Dec 19, 2013 16:05
|
|
|
$400 is good, if you had a $4000 return you could have so much more debt paid off and paid less interest during the year. You want your money, no reason to let the government hold on to it interest free. My goal at the end of the year is sub $100 return/owe in taxes.
|
|
#
¿
Jan 30, 2014 19:28
|
|
|
Inept posted:Why not just keep your wife's car and use it then? I don't remember if there was some issue with it. If the only difference was the APR, that's not going to matter if you can pay off the loan in under a year. I never had a lease that wasn't at least the deposit and one months rent for leaving early. Seeing as he only has one more month to pay it really make no sense at this point. I also assume his new lease starts at the end of July anyways.
|
|
#
¿
May 28, 2014 20:18
|
|
|
Knyteguy posted:So... wife is pregnant. You do know that doesn't just happen right?
|
|
#
¿
Jun 11, 2014 23:08
|
|
|
wintermuteCF posted:Accidents happen. Condoms break, pills can fail. Unless one of them has their tubes tied or she has an IUD, it could have been a mistake. This is just what people tell them selves. There is a short window each month and you can easily avoid it. I know people who use the temp method and no protection and have been baby free for years and years.
|
|
#
¿
Jun 11, 2014 23:26
|
|
|
I wish you luck, I really do. That said I think you are being crazy unrealistic about your saving and paying off debt. You have showed zero discipline. I think you are falling for a trap of thinking/wanting to get out of the debt right now. It is going to be a slog and it is going to take years. Especially with the track record you have going. Again good luck, I just don't see the discipline to make it happen.
|
|
#
¿
Jul 19, 2014 05:48
|
|
|
^You retiring at 37... come on man. This will be an insane lifestyle change and income increase. A kid alone is estimated to cost about $250K to raise to 18.Bugamol posted:Also did you ever answer on whether or not you have collision insurance? Your insurance seems insanely cheap for a new car that is grossly underwater. I'm paying $108 a month for a 2012 Honda Fit that isn't underwater. You probably are paying way too much. $1300/year for full coverage in Denver ($500 deductible, $100,000 medical per person, etc) on a 2013 Ford Escape and 2014 Subaru Impreza. I would go shop around. spwrozek fucked around with this message at 01:17 on Jul 22, 2014 |
|
#
¿
Jul 22, 2014 01:13
|
|
|
You spent $24K the last 6 months. Even if you think you can get down to $3K a month (adding a baby!) that is $36000 a year. $86000 with 65% savings = $30100 to pay your taxes, live on, buy your football bullshit, fishing poles, who knows what the hell else. Oops... not enough money. You are so delusional, you just don't see it.
|
|
#
¿
Jul 22, 2014 02:14
|
|
|
Aagar posted:And hahahahaha kids cost $75,000 over 21 years. Did you settle on the $1,000/mo daycare or the loss of your wife's income that is key to your Freedom-37 plan? What? you can't just leave a 6 month old to fend for itself?!
|
|
#
¿
Jul 22, 2014 02:27
|
|
|
The problem with all your goals and plans is you put no concreteness to them. You don't know if they are actually attainable. You just throw out that you could do this or that or it won't cost THAT much, but I haven't checked. Your goals are not SMART! and they need to be. Specific Measurable Achievable Relevant (or Result Based) Time Specific They are just paint thrown on the wall... spwrozek fucked around with this message at 03:11 on Jul 22, 2014 |
|
#
¿
Jul 22, 2014 03:09
|
|
|
Veskit posted:Wait.... I have been using them since high school I suppose. I think it works because it actually sets the path in stone so to speak. It is how I ran a 5 min mile even. I think they work really well for finances (I think because they fit so well into the 5 parts). I think they even can work at work if you have the right people and bosses.
|
|
#
¿
Jul 22, 2014 05:11
|
|
|
I think you need more categories or are missing some important ones (granted I don't remember all the details of what you have going on): Home: Rent, Electric, Gas, Water, Trash, Cable/Internet, Home Supplies, Lawn/Garden, Cell Phone Daily Living: Groceries, Personal Supplies (soap, TP, etc), Clothing, Alcohol, Eating Out, Salon/Barber Transportation: Car Payment, Fuel, Parking, Repairs, License/Registration, Car Wash, Insurance Health care: Out of pocket costs (not sure how you account for this, mine is off budget in an HSA that I don't track) Loans: I don't know if you have any of these left or not Business expenses: Broken down by whatever you need for your thing Entertainment: Movies, Books, Sports, Her Spend, You Spend, any other thing you like to do (Or you just give each of you $100 and call it good...) Pets: Food, Medical, toys, etc Vacation: Flights, Food, Car Rental The big thing you are not accounting for it seems is things that come up every 6 months or a year. You need to put away the money for those each month or oops, you don't have enough (pay day loans sound familiar?) Even on stuff like household goods, you are going to put $0 this month but then you need $40 say next month. You can put $20 this month and then another $20 next month and be good. Are your numbers and categories based on past spending? Did you analyze CC statements or are you using Mint? I just feel like you are going to go 'yes $3000 saved' only to have a bunch of stuff you could have planned for and only save $500 next month or have to go into the negative. I am also confused how you are paying 0 rent in August. If you pay August's in July you will pay September's in August right? You have an aggressive plan, especially as your wife gets more and more pregnant (eats more, more doctors visits, needs new clothes, etc.). You have a plan though so you are at least on the path.
|
|
#
¿
Jul 23, 2014 04:25
|
|
|
SiGmA_X posted:Shower curtain, $10-12 for a nice fabric one (WASH IT BIWEEKLY, COLD) or $5-8 for a plastic one (WASH IT MONTHLY, COLD). Bed Bath & Beyond. You'll get a moving coupon from them, too. I am pretty sure you can get 3 plastic ones for $1 at Dollar Tree.
|
|
#
¿
Jul 26, 2014 01:01
|
|
|
Knyteguy posted:Thanks for the Home Depot stuff Sigma I will post what happens. Glad to know their return policy is reasonable. I didn't realize you meant cloth liners; we'll have to check those out. Didn't the FCC or some government agency just drop the hammer about speeds not being as advertise and letting companies know it is against the law and they can't be doing it? I thought I heard something on NPR about it.
|
|
#
¿
Jul 26, 2014 23:17
|
|
|
The reason people suggest the other way is of you are on a tight budget you will not have the funds of you don't save. People who spend all the money they make for example. And then you are back in the pay day loan cycle or going without insurance.
|
|
#
¿
Aug 2, 2014 18:53
|
|
|
You bought a kindle two days into the month, riddle me surprised... I will give you benefit of the doubt though and have faith you stay on budget, save a ton, and beat slow mo.
|
|
#
¿
Aug 5, 2014 01:32
|
|
|
Pretty much ask the books you want to read are not free on prime though. The library is the only way to go.
|
|
#
¿
Aug 5, 2014 16:14
|
|
|
You should have more money taken out of your check starting now. If you owe too much you get to pay a penalty on top of what you owe... Yay.
|
|
#
¿
Aug 13, 2014 22:09
|
|
|
Knyteguy posted:By my napkin math last night we should be able to manage about $18,000 saved by the time the baby is here (going off months quite a bit more expensive than this month). That's not including the HSA. That's about 6 months worth of expenses. I'm not going to count on that but if we just stay buckled down and no big emergency happens we'll be alright. Most daycare doesn't work like this, you pay for the whole week even if you don't show up, sometimes you pay for the week you are not there but at a reduced rate (1/2 price or something). They want to make money so they can always find another child that will pay all the time.
|
|
#
¿
Aug 13, 2014 22:14
|
|
|
Veskit posted:Then why in gods name are you planning on things two years from now with children, doing this savings math, trying to plan your spending for next month, trying to spend more money this month and all of these things. You have an insane amount of help for future planning that you don't need to worry about until you fix your day to day life. No, you are right. Until he proves he can save in one month the rest is quite pointless.
|
|
#
¿
Aug 14, 2014 02:30
|
|
|
The library will basically order you any book you want, just have to wait for it. Still a long way to go this month... Long long way to go...
|
|
#
¿
Aug 14, 2014 18:35
|
|
|
A reward for saving money is spending money  The reward for saving money is having it for your kids expenses and your wife not working. Or it is used to pay that debt away. If you want to spend money on the shitastic Detroit lions just call it what it is. As a lions fan my whole life there was nothing better than moving out of market and only having to watch them on thanksgiving.
|
|
#
¿
Aug 15, 2014 16:43
|
|
|
My point is that you shouldn't reward yourself for saving. Plan expenses and call them what they are. Buying the package impacts your saving, only you can decide if that is OK. I honestly don't have an issue with the purchase. I just don't want you to think every month, 'hey we saved $3000, let's get a new _____!'. All of a sudden you saved $2000 and had a 10x increase in blow money. How I approach that $3000 saved is I look out a year and stash what I need to away for car insurance, ski passes, etc. Then I put the rest into debt repayment (student loans....). Also I hope the lions make the playoffs, we always find a way to blow it though man.... Always
|
|
#
¿
Aug 15, 2014 17:04
|
|
|
Antifreeze Head posted:Doesn't the NFL let radio stations keep their streams broadcasting the games? If you really need to experience the game live, do it that way. The lions radio guys are pretty good too. I know they stream it through Sirius. I believe the NFL hasn't blocked online like mlb has because of mlb radio.
|
|
#
¿
Aug 15, 2014 18:17
|
|
|
If I recall you can just go to 97.1 the ticket and listen.
|
|
#
¿
Aug 15, 2014 18:54
|
|
|
Am I reading this right that you don't have any money left for food this month? And that you only get $121 for the two you a month?
|
|
#
¿
Aug 17, 2014 23:46
|
|
|
Rurutia posted:I'm sorry, but this is exactly what got you into a messier mess last time (altough the break was longer). Keep posting your expenses weekly and keep it accountable. Even if you have to suck it up and deal with a bit of trolling (or violent disagreement) isn't it worth keeping your finances at an even keel? It is very disheartening to see you say this. Don't worry, he will get a newer car for $40k but only at a 6% rate! I agree that leaving the thread is a bad idea. Accountability is keeping you on the right track.
|
|
#
¿
Aug 20, 2014 18:34
|
|
|
Yes he can easily add more money to any of those categories. But he will push his savings goal to the side. Save or spend that is the choice.
|
|
#
¿
Aug 23, 2014 18:53
|
|
|
Very proud of you (still a few days left on the month though so don't go crazy!)
|
|
#
¿
Aug 28, 2014 03:06
|
|
|
I say get the PS4 with the Destiny bundle. The thread will go nuts and I will enjoy reading it. You really have to stop thinking about buying stuff though. Eventually you will snap and buy stuff. Change your mindset to enjoying your life for what you have and not that next thing you get making it great.
|
|
#
¿
Sep 4, 2014 04:39
|
|
|
I can't believe you are posting during the lions game. E: 97.1 the ticket works great on maybe a two minute delay. spwrozek fucked around with this message at 01:10 on Sep 9, 2014 |
|
#
¿
Sep 9, 2014 01:03
|
|
|
Knyteguy posted:I'm at work! I came in 10 minutes late so I'm staying 10 minutes late. Plus I have a 40 minute drive home. loving PST->EST difference. Live feed on the radio
|
|
#
¿
Sep 9, 2014 01:11
|
|
|
Great game by the lie downs. 1-0 so far so good. And stop spending so much money dude.
|
|
#
¿
Sep 9, 2014 03:17
|
|
|
OK transfer one month and you are a month ahead. Done.
|
|
#
¿
Sep 11, 2014 01:28
|
|
|
|
| # ¿ Apr 28, 2024 14:49 |
|
|
Grumble... In your checking you should have all of next month's bills + discretionary (but not the savings goal that goes to the savings account at the end of the month. Say it is $3k bills, $1k savings per month. Put any other money in savings. There a month ahead. Then this month say you make $4500. You spent the $3k on all your bills for this month so $3k goes back into checking for next month. $1k goes into savings as the savings goal. You $500 left over that you can pay down debt, add to savings, or blow. Is it really that hard? Is this not what everyone does?
|
|
#
¿
Sep 17, 2014 01:07
|
|